List your assets and liabilities — the total updates live as you go. Nothing is saved or sent anywhere.
What you own, at current market value.
What you owe.
Anything you own with monetary value: cash, savings and checking balances, investment and retirement accounts, real estate at current market value, vehicles, and other valuable property. Use current market value, not what you originally paid — a home bought for less than it's worth today, or a car worth less than the purchase price, should be entered at today's realistic value.
Anything you owe: mortgage balance, car loans, student loans, credit card balances, personal loans, and any other outstanding debt. Use the current outstanding balance, not the original loan amount.
No — everything you enter stays in your browser tab and is gone when you close or refresh the page. Nothing is sent to a server, so if you want to track net worth over time, you'll need to note the total yourself each time you check.
No — it's common early in adulthood, especially with student loans or a recent home purchase where the mortgage still exceeds the home's equity-adjusted value. Net worth is a snapshot, not a verdict, and it typically improves over time as debts are paid down and assets grow through saving and investment returns.
Worked example: $15,000 cash and savings, $40,000 in investments, and a car worth $12,000 gives $67,000 in assets. Against a $10,000 car loan and $18,000 in student loans ($28,000 in liabilities), that's a net worth of $39,000.